Pinboard (asterisk2a)
https://pinboard.in/u:asterisk2a/public/
recent bookmarks from asterisk2aThe Fed Sends A Frightening Letter To JPMorgan, Corporate Media Yawns2016-04-16T16:28:06+00:00
http://www.zerohedge.com/news/2016-04-15/fed-sends-frightening-letter-jpmorgan-corporate-media-yawns
asterisk2acorporate media conglomerate too big to bail fail jail TBTF jpmorgan jpmorganchase USA GFC recovery liquidity trap repo squeeze economic history Financial Stability Board FinancialCrisisInquiryCommission crisis crony capitalism Greed shareholder profit maximisation maximization investment banking retail leverage CDS engineering CDO MBS subprime FDIC complexity Fed Janet Yellen Wall Street reflate reflation derivatives credit bubblehttps://pinboard.in/u:asterisk2a/b:45f8a4957b39/Jan Kregel: The Continuing Risk of Derivatives - YouTube2016-01-30T02:42:02+00:00
https://www.youtube.com/watch?v=bVMcq2EXq0E
asterisk2aderivatives investment banking retail crisis business model risk aversion ROI VAR CDS Interestrateswap financial literacy market cycle FinancialCrisisInquiryCommission tobin-tax FinancialCrisisResponsibilityFee CDO instruments bonuses bonus Greed shareholder value profit maximisation Wall Street economic history self-regulation regulation regulators deregulation Glass-Steagall Bank Oversight zombie banks producthttps://pinboard.in/u:asterisk2a/b:4f70f6a06181/"The Untouchables (2013)" PBS documentary about how the Holder Justice Department refused to prosecute Wall Street Fraud despite overwhelming evidence : Documentaries2016-01-26T20:08:20+00:00
https://www.reddit.com/r/Documentaries/comments/42nf66/the_untouchables_2013_pbs_documentary_about_how/
asterisk2aGFC banking crisis Greed crony capitalism bank bailout economic history white-collar crime accounting scandal corporate lobbyist lobby Lobbying Career Politicians No Representation oligarchy plutocracy Super Rich 1% Fraud securities-fraud bonuses bonus financial incentive literacy FinancialCrisisInquiryCommission Mozilo CountrywideFinancial Angelo subprime NINJA Loan non-performing NPL CDS CDO citigroup misselling misrepresentation Consumer Protection misleading Positioning PR spin doctor manufactured consent Whistleblower Eric Holder presidency barackobama Party Funding Justice System injustice Washington revolving door accountability due diligence miconducthttps://pinboard.in/u:asterisk2a/b:fda6b625a3c6/VW and the never-ending cycle of corporate scandals - BBC News2015-10-26T15:28:48+00:00
http://www.bbc.co.uk/news/business-34572562
asterisk2abanking crisis GFC corporate scandal culture values organizational behavior governance VW Volkswagen economic history Wall Street Greed profit maximisation shareholder value crony capitalism bank bailout financial ecological disaster environmental climate change global warming shared interest damage academia academic academics economics self-regulation regulation regulators deregulation market FinancialCrisisInquiryCommission exploitation sociology psychologyhttps://pinboard.in/u:asterisk2a/b:7893acaf202e/Staatsverschuldung als Problem der Generationengerechtigkeit | Lars P. Feld | SWR Tele-Akademie - YouTube2015-07-14T15:31:18+00:00
https://www.youtube.com/watch?v=EmHYeGI0b_U
asterisk2aGenerationengerechtigkeit austerity bailout sovereign debt crisis economic history Failure zombie banks toobigtofail TBTF too big to jail Wall Street crony capitalism fiscal policy academia academic moralhazard morality American Dream GFC folly error World Bank IBS IMF liberal reform neoliberal neoliberalism PIIGSFB PIGS Greece Grexit UK sovereignty Pact Schuldenbremse Career Politicians No Representation democracy banking henrypaulson timgeithner benbernanke Ben Bernanke Makers lobbyist lobby Lobbying ideology dogma populism fairness manufactured consent propaganda financialcrisis FinancialCrisisInquiryCommission media conglomerate corporate state European Union transferunion Eurobond currency Agenda 2010 hartz-iv Stability and Growth generational conflict social tension cohesion Verteilungskonflikthttps://pinboard.in/u:asterisk2a/b:29b720f88e9a/Who Will Pay? Austerity vs. Bailouts | Greece, Europe and The Euro! - YouTube2015-07-13T18:52:07+00:00
https://www.youtube.com/watch?v=qIrtgXtEnRc
asterisk2a> bankers! but have not, just transfered private debt/losses onto public balance sheet which no has to paid down by the weakest of society and collectively by less public investment for the future (output gap/lower productivity) ie into infrastructure and education // stealing from the young // policy making by comfort and trinkets - George Osborne // moral hazard - the options they choose - paulson geithner summers and co made the tbtf and jail even worse! instead should have chosen partial privatization // sold off our future for keeping the gangsters "private" - get out of jail free card for what reason? because it would be not American? American means to be WALL STREET crony capitalistic greed with tax evasion and lobbying to the tunes of millions - your judge - that judges on you whether you get a free out of jail card?! // who will suffer in the end? the public and the weakest of society and unborn! period. long-term. // &! youtu.be/EmHYeGI0b_U]]>Grexit UK Greece PIGS austerity bailout crony capitalism Wall Street social cohesion tension generational contract pension obligation Career Politicians No Representation generationy Millennials fairness TBTF too big to jail toobigtofail economic model economic-thought philosophy sociology Gesellschaft Free Lunch Student Maintenance Grant mobility income Gini coefficient education policy Higher vocational infrastructure investment public interest STEM productive productivity output gap greed Schuldenbremse Fiscal Pact morality moralhazard GFC recovery lost decade generation short-term thinking view Failure American Dream sovereign debt crisis democracy corporate state manufactured consent populism propaganda Lügenpresse banking trust trustagent distrust zombie banks PIIGSFB PIIGS shadow financial repression literacy FinancialCrisisResponsibilityFee FinancialCrisisInquiryCommission tobin-tax financialtransactionfee transactiontax lobbyist lobby Lobbying poverty trap child welfare Services sustainable sustaihttps://pinboard.in/u:asterisk2a/b:ad1f0949071c/How Housing Policy Caused the Financial Crisis - YouTube2012-03-13T00:51:14+00:00
http://www.youtube.com/watch?v=yuGU1QXRfpU&feature=g-u-u&context=G298d07aFUAAAAWgASAA
asterisk2ahistory public policy greatrecession GFC politics USA freddiemac FHA FannieMea mortgage subprime FinancialCrisisInquiryCommissionhttps://pinboard.in/u:asterisk2a/b:3feb737c973f/Secret Fed Loans Helped Banks Net $13 Billion - Bloomberg2011-11-28T17:28:47+00:00
http://www.bloomberg.com/news/2011-11-28/secret-fed-loans-undisclosed-to-congress-gave-banks-13-billion-in-income.html
asterisk2aFed bailout finance banks bank 2008 GFC meltdown TARP disclosure transparency trust TAF TermAuctionFacility discountwindow FinancialCrisisInquiryCommission history Dodd-Frank moralhazard Glass-Steagall toobigtofail systemicriskhttps://pinboard.in/u:asterisk2a/b:f5d9aa26dc08/In Aftermath of Financial Crisis, Who\'s Being Held Responsible? - YouTube2011-11-25T03:04:09+00:00
http://www.youtube.com/watch?v=qmO7W8iC5LE&feature=feedu
asterisk2aGFC responsibility accountability settelment SEC investigation goldmansachs Mozilo CountrywideFinancial FinancialCrisisInquiryCommission financialcrisis financialmarket lobby banking prosecutionhttps://pinboard.in/u:asterisk2a/b:9843b890dad8/Credit-Default Swap Risk Bomb Is Wired to Explode: Mark Buchanan - Bloomberg2011-11-01T20:07:09+00:00
http://www.bloomberg.com/news/2011-10-30/credit-default-swap-risk-bomb-is-wired-to-explode-mark-buchanan.html
asterisk2aCDS Europe bomb debt bubble 2011 OTC sovereign crisis unknown toobigtofail 2008 AIG risk system systemicrisk problems exposure Greece PIIGS tippingpoint history lesson economics Financalmeltdown FinancialCrisisInquiryCommission financialmarket financialmarkets financialcrisis financehttps://pinboard.in/u:asterisk2a/b:8c91d84ff607/Morgan Stanley at Brink Got $107B From Fed - Bloomberg2011-08-23T17:36:02+00:00
http://www.bloomberg.com/news/2011-08-22/morgan-stanley-at-brink-of-collapse-got-107b-from-fed.html
asterisk2aFed meltdown fiancial crisis discountwindow 2008 jpmorgan morganstanley interbank liquidity freeze emergency-lending operation benbernanke henrypaulson hedgefunds panic FinancialCrisisInquiryCommission banking lehmanbrothers history goldmansachs broker service lesson financialcrisis PrimaryDealerCreditFacility lenderoflastresort PDCF JimChanos JohnMack TermSecuritiesLendingFacility TSLF TARP POMO counterpartyrisk toobigtofailhttps://pinboard.in/u:asterisk2a/b:1c55eece1b7f/Wall Street Aristocracy Got $1.2 Trillion in Secret Fed Loans - Bloomberg2011-08-22T22:04:41+00:00
http://www.bloomberg.com/news/2011-08-21/wall-street-aristocracy-got-1-2-trillion-in-fed-s-secret-loans.html
asterisk2aFed financialcrisis GFC bailout TARP discountwindow 2008 meltdown FinancialCrisisInquiryCommission liquidity creditcrunchhttps://pinboard.in/u:asterisk2a/b:a6657d0683e8/Barofsky Says Fed's Secret Loans Needed More Oversight - YouTube2011-08-22T19:34:18+00:00
http://www.youtube.com/watch?v=4LIoTLpUDfY
asterisk2abarofsky Fed bailout discountwindow monetary policy transparency oversight TARP GFC financialcrisis meltdown FinancialCrisisInquiryCommission centralbanks 2008 dollarhttps://pinboard.in/u:asterisk2a/b:16eb84d9aa39/The UK Is Preparing To Return To "Glass-Steagall" | zero hedge2011-06-20T01:00:56+00:00
http://www.zerohedge.com/article/uk-preparing-return-glass-steagall
asterisk2aUK banking 2011 GeorgeOsborne davidcameron Glass-Steagall lessons financialcrisis FinancialCrisisInquiryCommission toobigtofail bailout bailin reform regulationhttps://pinboard.in/u:asterisk2a/b:e5ca271a5019/World on course for next crisis, warns Gordon Brown - Telegraph2011-05-18T02:29:30+00:00
http://www.telegraph.co.uk/finance/financialcrisis/8517289/World-on-course-for-next-crisis-warns-Gordon-Brown.html
asterisk2agordonbrown 2011 PIIGS default restructuring greece banking EMU lehmanbrothers finance financialcrisis FinancialCrisisInquiryCommission toobigtofailhttps://pinboard.in/u:asterisk2a/b:4df16af74592/Schwarmintelligenz: Gemeinsam sind wir dümmer - SPIEGEL ONLINE - Nachrichten - Wissenschaft2011-05-17T18:35:48+00:00
http://www.spiegel.de/wissenschaft/mensch/0,1518,762837,00.html
asterisk2apsychology intelligence sociology information decissionmaking mass twitter research study financialcrisis FinancialCrisisInquiryCommission bubble democracy consensus voting influence influencer decisionhttps://pinboard.in/u:asterisk2a/b:68e3e0bc2c6c/In Financial Crisis, No Prosecutions of Top Figures - NYTimes.com2011-04-15T02:13:45+00:00
http://www.nytimes.com/2011/04/14/business/14prosecute.html?_r=1
asterisk2abailout fed timgeithner andrewcuomo fraud misleading prosecution SEC FinancialCrisisInquiryCommission financialcrisis 2008 2007 settelment proptrading ethics henrypaulson benbernanke mortage analysis insight 2011https://pinboard.in/u:asterisk2a/b:c736017cb2cb/YouTube - Levin Says Goldman's Blankfein Tried to Mislead Congress2011-04-15T01:18:38+00:00
http://www.youtube.com/watch?v=b1FQfbKvRBM
asterisk2agoldmansachs CDO proptrading misleading fraud wallstreet subprime mortage 2008 2007 congress FinancialCrisisInquiryCommission CDS financialcrisis meltdown SEC 2011 ethics deutschebank wamuhttps://pinboard.in/u:asterisk2a/b:5903d9b40965/YouTube - Levin Says Goldman Sachs Misled Congress, Duped Clients2011-04-14T19:12:28+00:00
http://www.youtube.com/watch?v=56Y24RjWlDY
asterisk2agoldmansachs FinancialCrisisInquiryCommission 2011 foreclosure CDO proptrading deutschebank mortage subprime 2008 SEC fraud misleading wallstreet greed regulation reform politicshttps://pinboard.in/u:asterisk2a/b:fd74f9cb60c3/Senate report hits Goldman | City A.M.2011-04-14T01:28:52+00:00
http://www.cityam.com/news-and-analysis/senate-report-hits-goldman
asterisk2agoldmansachs FinancialCrisisInquiryCommission 2011 congress fraud greed greatrecession 2008 oversight foreclosure deutschebank moody's ratingagencies blamegame wallstreet report financialcrisis analysishttps://pinboard.in/u:asterisk2a/b:6ecfaec01d59/The Real Housewives of Wall Street | Rolling Stone Politics2011-04-13T00:37:16+00:00
http://www.rollingstone.com/politics/news/the-real-housewives-of-wall-street-look-whos-cashing-in-on-the-bailout-20110411
asterisk2aTALF 2011 Fed wallstreet hostage bailout FinancialCrisisInquiryCommission TARP 2008 USA fraud creditcrunch financialcrisis liquidity insolvent insolvencyhttps://pinboard.in/u:asterisk2a/b:271a572aa73a/YouTube - Charlie Rose Interviews Charles Ferguson on his documentary 'Inside Job'2011-04-03T21:42:05+00:00
http://www.youtube.com/watch?v=vS0hj4kiqsA
asterisk2apresidency barackobama 2011 2012 FinancialCrisisInquiryCommission financialcrisis meltdown 2008 politicshttps://pinboard.in/u:asterisk2a/b:35b44830245c/YouTube - Barofsky Says U.S. `Hopelessly Naive' on Bank Bailouts2011-03-30T00:22:18+00:00
http://www.youtube.com/watch?v=AOwIL7JkdPI
asterisk2abarofsky TARP henrypaulson benbernanke 2011 fraud banking transparency presidency barackobama FinancialCrisisInquiryCommission finance financialcrisis 2008 meltdown abuse policyhttps://pinboard.in/u:asterisk2a/b:a9b0eba8c11b/Commodities Regulator Gary Gensler Pleads for More Money - NYTimes.com2011-03-18T01:13:02+00:00
http://dealbook.nytimes.com/2011/03/17/gensler-of-c-f-t-c-pleads-for-more-funding/
asterisk2aCFTC 2011 Dodd-Frank politics republicans reform regulation oversight budget FinancialCrisisInquiryCommission financialcrisishttps://pinboard.in/u:asterisk2a/b:8ae5704467e4/Another Inside Job - NYTimes.com2011-03-14T20:07:48+00:00
http://www.nytimes.com/2011/03/14/opinion/14krugman.html?_r=4
asterisk2afraud 2008 BofA banking power money WallStreet corruption FinancialCrisisInquiryCommission financialcrisis subprime settelment SEC CFTC Law politics abuse debtoverhang debt public privatehttps://pinboard.in/u:asterisk2a/b:d70cd29ad248/US economics: One big Ponzi scheme - Opinion - Al Jazeera English2011-02-22T01:50:28+00:00
http://english.aljazeera.net/indepth/opinion/2011/02/2011218151257526294.html
asterisk2amadoff 2011 SEC nytimes finance FinancialCrisisInquiryCommission Dodd-Frank inequalityhttps://pinboard.in/u:asterisk2a/b:6f6e0fef55da/Lehman Pushed Goat Poo Securities, J.P. Morgan Says - Deal Journal - WSJ2011-02-20T03:57:23+00:00
http://blogs.wsj.com/deals/2011/02/18/lehman-pushed-goat-poo-securities-jp-morgan-says/
asterisk2ajpmorgan lehmanbrothers FinancialCrisisInquiryCommission 2011 securities barclayshttps://pinboard.in/u:asterisk2a/b:7ab682b62040/Long After Fall, Countrywide's Mozilo Defended His Legacy - NYTimes.com2011-02-18T03:27:16+00:00
http://dealbook.nytimes.com/2011/02/17/long-after-fall-countrywides-mozilo-defended-his-legacy/
asterisk2aMozilo CountrywideFinancial FinancialCrisisInquiryCommission 2011https://pinboard.in/u:asterisk2a/b:59b013e00028/Why Isn't Wall Street in Jail? | Rolling Stone Politics2011-02-17T01:46:06+00:00
http://www.rollingstone.com/politics/news/why-isnt-wall-street-in-jail-20110216?page=1
asterisk2apolitics corporatism corruption government fed fraud financialcrisis FinancialCrisisInquiryCommission law madoff 2011https://pinboard.in/u:asterisk2a/b:524288b724b3/A Different Side to Dick Fuld - NYTimes.com2011-02-14T19:28:09+00:00
http://dealbook.nytimes.com/2011/02/14/a-different-side-to-dick-fuld/
asterisk2aFinancialCrisisInquiryCommission 2011 lehmanbrothers bailout henrypaulsonhttps://pinboard.in/u:asterisk2a/b:b23e7d3cd38f/Buffett Tells Crisis Commission It's Powerless to Stop `Too Big to Fail' - Bloomberg2011-02-13T06:33:19+00:00
http://www.bloomberg.com/news/2011-02-11/buffett-tells-fcic-it-s-powerless-to-stop-too-big-to-fail-.html
asterisk2abailout oversight FinancialCrisisInquiryCommission financialcrisis 2008 warrenbuffet Dodd-Frankhttps://pinboard.in/u:asterisk2a/b:e26f09c872b2/Thain Says He Should've `Grabbed, Shaken' Paulson to Aid Lehman - Bloomberg2011-02-13T06:01:26+00:00
http://www.bloomberg.com/news/2011-02-11/thain-says-he-should-have-grabbed-shaken-u-s-regulators-to-aid-lehman.html
asterisk2alehmanbrothers henrypaulson 2008 FinancialCrisisInquiryCommission financialcrisishttps://pinboard.in/u:asterisk2a/b:670745f7e3b8/The top ten real causes of the crisis | City A.M.2011-02-11T01:14:00+00:00
http://www.cityam.com/news-and-analysis/allister-heath/the-top-ten-real-causes-the-crisis
asterisk2aFinancialCrisisInquiryCommission financialcrisis meltdown 2008 crisis economics banking finance banks 2009https://pinboard.in/u:asterisk2a/b:72f684693259/PRAGMATIC CAPITALISM THE FINANCIAL INDUSTRY IS NOT THE ENGINE OF CAPITALISM2011-01-31T02:34:28+00:00
http://pragcap.com/the-financial-industry-is-not-the-engine-of-capitalism
asterisk2acapitalism FinancialCrisisInquiryCommission 2011 compensation financehttps://pinboard.in/u:asterisk2a/b:53121d55350f/Fed Lending Benefited Banks Far and Wide - NYTimes.com2010-12-05T23:18:12+00:00
http://www.nytimes.com/2010/12/05/business/05gret.html?ref=business
asterisk2afed benbernanke balancesheet interbank report financialcrisis FinancialCrisisInquiryCommission 2008 2009 bearstearns citigroup goldmansachs shadowbanking fanniemae freddiemac aig lending overnighthttps://pinboard.in/u:asterisk2a/b:12001cdf7159/@StockTwits with Howard Lindzon and Jim Rogers Live Finance Video Network | StockTwits TV2010-11-27T13:23:29+00:00
http://www.stocktwits.tv/stocktwits-with-howard-lindzon-and-jim-rogers/
asterisk2afraud jimrogers USA bailout AIG freddiemac fanniemae accounting citigroup finance history FinancialCrisisInquiryCommission financialmarket financialcrisis ponzischemehttps://pinboard.in/u:asterisk2a/b:6acfa2854210/Forecaster Ian Shepherdson Sees an End to Economic Gloom - NYTimes.com2010-11-07T23:15:49+00:00
http://www.nytimes.com/2010/11/07/business/07gret.html?_r=1
asterisk2aUSA creditcrunch history financialcrisis lesson Sweden 2010 2011 outlook recovery QE-2.0 Fed FinancialCrisisInquiryCommissionhttps://pinboard.in/u:asterisk2a/b:6458f97190ea/Mervyn King makes a stand for reform as banks seem intent on forgetting - Telegraph2010-10-31T21:52:18+00:00
http://www.telegraph.co.uk/finance/comment/liamhalligan/8098834/Mervyn-King-makes-a-stand-for-reform-as-banks-seem-intent-on-forgetting.html
asterisk2ahistory bailout banking greed risk financial crisis FinancialCrisisInquiryCommission 2010 BOEhttps://pinboard.in/u:asterisk2a/b:f9d2a6ed61bd/Allan Sloan - The real foreclosure mess: Lack of accountability for banks2010-10-27T14:11:43+00:00
http://www.washingtonpost.com/wp-dyn/content/article/2010/10/26/AR2010102602638.html
asterisk2aaccountability foreclosure bailout USA banks banking 2010 law financial FinancialCrisisInquiryCommission BofA jpmorgan GMAChttps://pinboard.in/u:asterisk2a/b:fe68c65035e9/Financial Crisis Panel Lends Sympathetic Ear to Lehmans Ex-Chief - NYTimes.com2010-09-02T17:56:57+00:00
http://www.nytimes.com/2010/09/02/business/02commission.html?ref=business
asterisk2alehmanbrothers 2010 FinancialCrisisInquiryCommission bankruptcy Fed agenda timgeithner bailout bearstearns henrypaulson benbernanke AIGhttps://pinboard.in/u:asterisk2a/b:89565c822af8/Buttonwood: Not what they meant | The Economist2010-02-02T02:08:44+00:00
http://www.economist.com/businessfinance/displayStory.cfm?story_id=15398189
asterisk2ahedgefunds shortselling regulation 2010 short-selling usa reform financial financialmarket history politics VolkerRule barackobama FinancialCrisisInquiryCommissionhttps://pinboard.in/u:asterisk2a/b:bf65681d6f3c/Bank Size and the Severity of Financial Shocks - CBS MoneyWatch.com2010-02-02T00:19:48+00:00
http://moneywatch.bnet.com/economic-news/blog/maximum-utility/bank-size-and-the-severity-of-financial-shocks/426/
asterisk2asubprime regulation CFPA reform usa VolckerRule paulvolcker paulkrugman leverage banking financialmarket FinancialCrisisInquiryCommission toobigtofail Canada 2010https://pinboard.in/u:asterisk2a/b:7e8aa75dd76b/Joseph Stiglitz Testimony: Banks Have Failed 'Their Basic Societal Mission'2010-02-01T17:29:27+00:00
http://www.huffingtonpost.com/2010/01/22/joseph-stiglitz-testimony_n_433119.html
asterisk2aJosephStiglitz banking finance 2010 financialmarket value banks bonuses reform regulation FinancialCrisisInquiryCommissionhttps://pinboard.in/u:asterisk2a/b:13dc961d67af/Bailout watchdog investigating Fed's AIG secrecy2010-01-28T20:24:17+00:00
http://www.huffingtonpost.com/huff-wires/20100125/us-aig-fed-investigations/
asterisk2aaig benbernanke bailout TARP barofsky FinancialCrisisInquiryCommission fed government Transparencyhttps://pinboard.in/u:asterisk2a/b:1537ecb4cdf8/Is Bernanke Hiding A Smoking Gun?2010-01-28T20:20:31+00:00
http://www.huffingtonpost.com/2010/01/26/is-bernanke-hiding-a-smok_n_437509.html
asterisk2aAIG benbernanke timgeithner bailout 2008 2009 2010 reconfirmation democracy Transparency FinancialCrisisInquiryCommission corruption fed fraudhttps://pinboard.in/u:asterisk2a/b:419803093a3d/Euro Pacific Capital2010-01-14T21:50:41+00:00
http://www.europac.net/externalframeset.asp?from=home&id=17967&type=schiff
asterisk2ablamegame fed FDIC regulation FinancialCrisisInquiryCommissionhttps://pinboard.in/u:asterisk2a/b:75febdd32dc3/Obama Says Bank Fee Aimed at Recovering Rescue Money (Update1) - Bloomberg.com2010-01-14T20:11:14+00:00
http://www.bloomberg.com/apps/news?pid=20601087&sid=a2qItTskcWQk
asterisk2aTARP banks banking regulation reform jpmorgan jpmorganchase taxation FinancialCrisisResponsibilityFee FinancialCrisisInquiryCommissionhttps://pinboard.in/u:asterisk2a/b:df0df7f8f69b/